Call reports 2007
FIRST CITY BANK — 2007
What FIRST CITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 55,846,000 | 56,180,000 | 56,375,000 | 56,248,000 |
| Total loans | 47,339,000 | 48,059,000 | 47,751,000 | 47,705,000 |
| Allowance for loan losses | 583,000 | 604,000 | 609,000 | 610,000 |
| Securities available for sale | 3,913,000 | 3,996,000 | 3,472,000 | 2,866,000 |
| Securities held to maturity | 5,000 | 5,000 | 4,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,528,000 | 39,746,000 | 44,398,000 | 45,018,000 |
| Interest-bearing deposits | 39,645,000 | 36,393,000 | 41,629,000 | 41,801,000 |
| Noninterest-bearing deposits | 2,882,000 | 3,353,000 | 2,769,000 | 3,217,000 |
| Equity capital | 4,570,000 | 4,494,000 | 4,537,000 | 4,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 933,000 | 1,879,000 | 2,864,000 | 3,838,000 |
| Interest expense | 497,000 | 1,016,000 | 1,560,000 | 2,109,000 |
| Net interest income | 436,000 | 863,000 | 1,304,000 | 1,729,000 |
| Noninterest income | 7,000 | 16,000 | 22,000 | 28,000 |
| Noninterest expense | 359,000 | 703,000 | 1,070,000 | 1,381,000 |
| Provision for loan losses | 19,000 | 36,000 | 47,000 | 50,000 |
| Pretax income | 65,000 | 140,000 | 261,000 | 378,000 |
| Income tax | 0 | 4,000 | 24,000 | 26,000 |
| Net income | 65,000 | 136,000 | 237,000 | 352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,583,000 | 4,514,000 | 4,536,000 | 4,569,000 |
| Total capital | 6,082,000 | 6,014,000 | 5,939,000 | 5,977,000 |
| Risk-weighted assets | 39,835,000 | 39,925,000 | 40,171,000 | 40,545,000 |